The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,643
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$495/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,635
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$474/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,771
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$594/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,162
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$568/mo
Today · 4.125%
HK$22,011
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,161/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,022/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$692/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$663/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,033
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$890/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,821/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$852/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,740/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,805 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).